healthcare plan. >> this are cons. what are they? >> there are a couple of. because the deductibles are your obligation there are some places where there will not be a contribution from an employer in the account. you really are going to have to do individual diligence and save the money because you have to spend it before you can access insurance benefits with the exception of preventive care. >> and can't purchase over the counter drugs is that, correct? >> that was one of the tradeaways. before you could do that and now you can't. there have been a number of efforts in congress to reverse that but so far unsuccessful. >> might have high out of pocket costs on this one. >> the deductibles are where it starts. every plan in america statue statutorily lapped at 12.5. if somebody has a major illness or chronic disease 10% of $250,000 s $25,000. way more than 12.5. >> thank you for joining us. >> thank you for having me. >> we will have more information on our website. coming up, looking back at the best of "fox and frie